Page 292 - Full Book_24.4.2021

NOTES TO THE
FINANCIAL STATEMENTS

for the financial year ended 31 december 2020 (continUed)

49 FINANCIAL RISk MANAGEMENT POLICIES (CONTINUED)
49.3 Credit risk (continued)
Banking (continued)
(iii) Credit quality of financing, advances and others (continued)

the credit quality of the bank’s financing, advances and others are summarised as follows: (continued) Total
inteGrated annUal rePort 2020 31 December 2019 42,776,005 372,582 RM’000 43,148,587
Stage 1
Stage 3
Bank Islam
Stage 2
RM’000
RM’000
RM’000
Financing, advances and others
nPdni
– excellent
–
– Satisfactory
–
5,281,199
5,827,662
546,463
255,749
208,508
– fair
47,241
48,265,712 966,286 – 49,231,998
–
Pdni – 558,970 – 558,970
286
impaired – – 433,001 433,001
Gross carrying amount 48,265,712 1,525,256 433,001 50,223,969
bimb holdinGS berhad 199701008362 (423858-X) nPdni 7,610,330 113,645 – 7,723,975
Financing commitments
– excellent
69,998
1,167,045
1,237,043
– Satisfactory
–
70,097
31,975
– fair
–
38,122

221,765
–
8,809,350
9,031,115
13,427
–
13,427
Pdni
–
–
16,534
impaired
–
16,534
235,192
Gross exposure
16,534
impairment allowances 8,809,350 (147,588) (172,197) 9,061,076
(721,844)
(402,059)
net exposure 56,673,003 1,612,860 277,338 58,563,201
Financial guarantee contracts
nPdni
– excellent 1,819,240 5,211 – 1,824,451
– Satisfactory 117,731 5,207 – 122,938
– fair 229 2,290 – 2,519
1,937,200 12,708 – 1,949,908
Pdni – – – –
impaired – – 579 579
Gross exposure 1,937,200 12,708 579 1,950,487
impairment allowances (29,076) (527) – (29,603)
net exposure 1,908,124 12,181 579 1,920,884